The Cheapest Car Insurance in Maine for 2022

MoneyGeek used rates from the largest insurance companies in Maine to determine the most affordable carriers in the state. Based on the analysis, GEICO is the cheapest provider for the average driver. You can save a maximum of $352 per year if you compare quotes between insurers before purchasing your policy.

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While GEICO is the cheapest car insurance provider in Maine on average, various factors contribute to your actual cost. These include your age, credit score, driving record and coverage amount.

In Maine, for instance, State Farm is the cheapest auto insurance provider for drivers with a ticket or DUI. USAA is the cheapest for drivers from a military family.

iconribboncheapestauto insuranceMaine2022

Cheapest Minimum Liability Car Insurance in Maine

In Maine, the cheapest car insurance is a minimum liability coverage policy. If affordable rates are your highest priority, a minimum coverage plan meets the state’s baseline auto insurance requirements.

The cheapest car insurance companies in Maine for minimum coverage are:

  • GEICO: $252 per year
  • MetLife: $265 per year

USAA is available for military members and their families exclusively and is the cheapest option in the state at $187 on average per year. The most expensive car insurance for minimum coverage is Allstate, at an average cost of $455 per year.

Cheapest Minimum Car Insurance in Maine
  • Company
    Annually
    Monthly
  • 1.
    $187
    $16
  • 2.
    $252
    $21
  • 3.
    $265
    $22
  • 4.
    $337
    $28
  • 5.
    Concord Group
    $366
    $31

These prices are only estimates based on rates for an average Maine driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Maine

In Maine, a full coverage policy with comprehensive collision insurance and higher liability limits can protect you against most on-road and off-road incidents. While this policy's price is higher than minimum coverage, it covers the cost of damages to your car — not just others. To save money and find the cheapest options, be sure to compare car insurance quotes from multiple carriers.

The least expensive full coverage car insurance companies in Maine are:

  • GEICO: $460 per year
  • MetLife: $498 per year

For military members and their families, USAA offers an affordable option at $367 on average per year. Progressive is the costliest provider in Maine for full coverage, with average annual rates of $719.

Cheapest Full Coverage Car Insurance in Maine

Please note that your costs will differ from these examples. The premiums above are for a policy with comprehensive and collision insurance and $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap Maine Car Insurance Quotes Online

Most car insurance carriers offer an online quote tool that gives reasonably precise quotes based on your input. Be sure to identify how much coverage you need so you can compare insurers with consistent limits. For example, if you get a quote with one company for $50,000 in bodily liability insurance per accident, you should ensure to use the same figure when comparing prices with another insurer.

You can determine the cost of car insurance for an average driver using the MoneyGeek calculator. Should you decide to get a personalized quote from any of the insurers, you will need to provide more personal information. USAA, GEICO and MetLife are the cheapest car insurance companies on average in Maine, so MoneyGeek recommends beginning your search by getting a quote from these carriers.

Auto Insurance Calculator

State

Maine

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$204

2.

GEICO

$270

3.

MetLife

$279

Cheapest Car Insurance for Drivers With a DUI in Maine

If you have a severe driving offense on your record, like driving under the influence (DUI), you’ll pay higher car insurance rates, on average. In Maine, a driver with a DUI is charged $987 per year on average for auto insurance, compared to $607 for the average driver with a clean record.

The cheapest car insurance companies in Maine for a driver with a DUI who needs a full coverage policy are:

  • State Farm: $661 per year
  • Progressive: $841 per year

USAA, available to military members and their families, offers an affordable option at $734 on average per year. The most expensive car insurance for drivers with a DUI is MetLife at an average rate of $1,274 per year.

Average Car Insurance Rates With a DUI

A DUI conviction can continue to negatively impact your insurance rates for several years, in addition to the legal fees, fines and other expenses you may incur. To find the best rates with a DUI on your record, shop around annually to see if specific companies have lower rates.

Cheapest Car Insurance in Maine for Drivers With an At-Fault Accident

If your driving record has an at-fault accident, you will pay more for car insurance. In Maine, drivers with an at-fault accident pay an average of $854 per year.

The cheapest auto insurance providers for drivers with an at-fault accident in Maine are:

  • State Farm: $722 per year
  • GEICO: $753 per year

If you are eligible for a USAA policy, you will pay an average of $507 per year for car insurance with an at-fault accident.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Maine

Even a minor driving offense like a speeding ticket can increase your car insurance costs. In Maine, a driver with a speeding ticket pays $800 per year on average for auto insurance, compared to $607 for drivers whose record is clean.

The least expensive car insurance providers in Maine for drivers with speeding tickets and full coverage are:

  • State Farm: $661 per year
  • Concord Group: $663 per year

For military members, USAA is the cheapest option in the state at an average cost of $412 per year. Progressive is the costliest car insurance for Maine drivers with tickets at $973 on average per year.

Average Car Insurance Rates With a Ticket

Moving violations such as speeding or distracted driving will negatively impact your car insurance rates. The effects of a ticket on your car insurance rates may be short-term for a first-time offense or long-term for repeat offenders. To help you get the best rates under these circumstances, be sure to shop for new rates each year when it’s time to renew your current policy. Checking with different insurance companies could result in a better rate.

Cheapest Car Insurance Companies in Maine for Drivers With Bad Credit

In Maine, drivers with low credit scores pay higher premiums than those with high credit scores. The average cost of car insurance for drivers with poor credit in Maine is $1,048 per year compared to $607 for the average driver with healthy credit.

The cheapest car insurance companies in Maine for drivers with low credit scores and who want full coverage policies are:

  • GEICO: $792 per year
  • Concord Group: $844 per year

USAA, available for military members and their families, offers the cheapest option in Maine at an average cost of $641 per year. The most expensive car insurance for drivers with bad credit is MetLife at $1,292 on average annually.

Average Car Insurance Rates for Drivers With Bad Credit

Many auto insurance companies associate a driver’s credit score with their likelihood of filing an insurance claim. Those with good credit scores — 700 or higher — are viewed as less likely to file a claim than those with lower credit scores. According to Experian, the average credit score for Maine residents is 715. Because auto insurance companies do not weigh credit scores equally, your rate quote may be vastly different from insurer to insurer, particularly if you have a low credit score.

Cheapest Car Insurance in Maine for Seniors

Car insurance in Maine is typically more expensive for senior drivers than middle-aged and young drivers.

The most affordable car insurance carriers in Maine offering full coverage for senior drivers are:

  • GEICO: $417 per year
  • MetLife: $531 per year

USAA, for military members and their families, is $367 on average per year, making it the most affordable option in the state for senior drivers. The costliest option for senior drivers is Travelers at an average of $855 per year.

Average Car Insurance Rates for Seniors

The cost of car insurance for seniors can vary based on individual circumstances and the insurer issuing the quote. Therefore, it’s important to shop around each year before renewing your car insurance policy to ensure you receive the lowest rates.

Cheapest Car Insurance in Maine for Young Drivers

Car insurance costs are higher for younger drivers because they are less experienced. In Maine, car insurance coverage costs an average of $1,672 for a 16-year old and $699 for a 25-year-old driver.

The cheapest car insurance company for drivers aged between 16 and 25 years, on average, is GEICO. From MoneyGeek’s analysis, GEICO was found to be the cheapest for each age in the 16-25 years range for the average driver.

Annual Car Insurance In Maine for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $1,672
    GEICO
    $1,282
  • 17
    $1,570
    GEICO
    $1,282
  • 18
    $1,378
    Allstate
    $1,190
  • 19
    $1,537
    GEICO
    $1,154
  • 20
    $1,301
    GEICO
    $931
  • 21
    $1,045
    GEICO
    $823
  • 22
    $963
    GEICO
    $782
  • 23
    $856
    GEICO
    $653
  • 24
    $790
    GEICO
    $629
  • 25
    $699
    GEICO
    $549

Parents of young drivers in Maine want to ensure their children are safe on the road without overpaying for car insurance. While having a young driver on your policy can drive up your premiums, you can reduce the impact on your wallet by investing in a car with a strong crash rating and proven safety features. Apart from those factors, be sure to ask prospective insurance providers about discounts for good students and teens who take defensive driving courses.

Insurance Rate Information for Military Drivers and Veterans

If you're one of more than 800 active-duty military personnel living in Maine, you'll probably be able to get a military discount on your auto insurance. The same holds true for more than 125,000 veterans living in the state. The major carriers, including USAA, Geico and AFI, all offer discounts to military members and veterans. This discount, coupled with a good driving record, can help military families cut costs.

With proof of insurance in hand, you can then take advantage of Maine's "Rapid Renewal" online service to register a vehicle, even if deployed out of state. The state government's insurance website has further details on the minimum requirements and best rates in Maine.

The following table showcases estimates of what active-duty military personnel and veterans can expect to pay in Maine for their car insurance. Always consult with an insurance company directly for a more personalized quote.

Average Rates for Maine service members

male
25 years$1,317
50 years$938
female
25 years$1,060
50 years$932

Car Insurance in Maine: What You Need to Know

If you register a car in Maine, you must insure it. Drivers can take their inoperable cars off of insurance if they also turn in the registration and license plate. If the car holds some value, talk to an insurance agent about how to keep the vehicle protected from incidents that might damage it while it's parked in the garage.

Proof of Insurance in Maine

Drivers in Maine receive an insurance card that they need to carry with them. Alternatively, they can use electronic proof of insurance. The card must show that a valid policy is in effect on the same car you’re driving. There are three times you'll need to show proof of insurance in Maine:

  • When registering a vehicle
  • When pulled over for a moving violation
  • If you're in an accident resulting in bodily injury or property damage exceeding $1,000

Minimum Liability Insurance Requirements in Maine

Maine has some of the highest minimum liability limits in the United States. This state also mandates several different types of coverage:

  • $50,000 bodily injury coverage per person
  • $100,000 bodily injury coverage per accident
  • $25,000 property damage
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident
  • $2,000 medical payments coverage per person

Even with this generous coverage, industry experts generally encourage consumers to purchase higher limits and additional coverages.

Alternatives to Insurance in Maine

Drivers who want to skip dealing with an insurance company have an alternative: they can get a certificate from a surety company. They can also deposit $127,000 in cash or securities with the state treasurer, then show the receipt to the Secretary of State. The Secretary of State then issues a certificate, which the driver must keep with them as proof of alternative insurance.

How Much Coverage Do You Need in Maine?

The minimum coverage levels required by Maine law may seem high, but they might not cover all of your potential costs in an accident. The right level for you depends on your assets and the value of your vehicle. Keep in mind that experts generally recommend liability policies of $100,000 per person and $300,000 per accident for adequate protection, according to the Insurance Information Institute.

Experts also recommend collision and comprehensive coverage for any vehicle you're not planning on driving into the junkyard within a few years. Unlike other policies, these types of coverage take care of your vehicle in case of accidents — both on the roadway and off.

Auto insurers in Maine have to provide three years of discounted rates to senior drivers (55 and older) who complete an accident prevention course, as long as no one living in their home has an accident or ticket on their record in the last three years. The amount of the discount is up to the insurers — as always, it's smart to shop around. Seniors can take the course again after three years to renew the discount.

Cheapest Car Insurance in Maine by City

Where you stay in Maine can have a considerable impact on the cost of your car insurance policy. MoneyGeek’s research in the state included the city of Portland, which has an average car insurance cost of $607 per year.

You can click on your city to determine how much you will be charged for car insurance in your area.

Average Insurance Rate by City in Maine

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FAQs About Car Insurance in Maine

To help consumers in Maine make the right choice when purchasing car insurance, MoneyGeek answers frequently asked questions about how much to buy and the cost of a typical policy.

Expert Advice on Finding Cheap Car Insurance in Maine

To help you find reliable and accurate insight on car insurance in Maine, MoneyGeek received expert advice from proven professionals. The perspectives and sentiments conveyed are those of the individual contributor.

  1. What are the key factors drivers in Maine should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Maine take to find affordable car insurance?
Daniel Ford
Daniel Ford

Instructor of Economics and Business Administration at Southern Maine Community College

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About the Author


expert-profile

Karon Warren is a professional journalist who has covered personal finance, health insurance, home insurance, car insurance, mortgages, banking and more for two decades.

Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is also a member of the American Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make informed financial decisions that best serve their financial goals.


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